BHM Bank
2170 Highland Ave S, Birmingham, AL 35205
Financial Overview
Financial Health Analysis
BHM Bank is a currently active commercial lending specialization banking institution headquartered in Birmingham, Alabama. Established in 01/28/2000, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, BHM Bank manages $17.7M in total assets and holds $14.4M in customer deposits. When evaluating the stability of BHM Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 14.00%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is -5.96%, while its Return on Equity (ROE) sits at -41.16%. These figures yield a lower health score of 4.0 out of 10, indicating potential areas for operational improvement and tighter capital management.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$14.4M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: BHM.bank
FDIC Certificate #: 35314
Specialization: Commercial Lending Specialization